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OptimumBank Holdings (OPHC) Fair Value & Analysis

Financial Services · US · Market cap $71.8M

Price$5.76
Fair Value$11.52
Upside+100.0%
Quality95/100
Evidence: High Range $8.64 – $14.40

Fair value as of: Jun 26, 2026

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Analysis

OptimumBank Holdings (OPHC) currently trades at $5.76, while our model-based Fair Value estimate is $11.52 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings,…

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Frequently asked questions

Is OptimumBank Holdings (OPHC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $11.52 versus a price of $5.76 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OPHC?
Our 21-model fair value for OptimumBank Holdings is $11.52 (as of Jun 26, 2026), built from audited fundamentals. The current price is $5.76.
What is the quality score of OPHC?
OptimumBank Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.